The Complete FSA Eligibility List

Here it is — the most-comprehensive eligibility list available on the web. From A to Z, items and services deemed eligible for tax-free spending with your Flexible Spending Account (FSA), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) and more will be here, complete with details and requirements. Important Reminder: FSAs, HRAs and other account types listed may not all be the same. Be sure to check with your administrator to confirm if something is eligible before making a purchase.

Here it is — the most-comprehensive eligibility list available on the web. From A to Z, items and services deemed eligible for tax-free spending with your Flexible Spending Account (FSA), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) and more will be here, complete with details and requirements. Important Reminder: FSAs, HRAs and other account types listed may not all be the same. Be sure to check with your administrator to confirm if something is eligible before making a purchase.

Fitness Tracker: FSA Eligibility

Fitness Tracker: requires a Letter of Medical Necessity (LMN) to be eligible with a Flexible Spending Account (FSA)
A fitness tracker device, such as a Fitbit, is only eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Fitness trackers are not eligible with a dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).

What is a fitness tracker?

While fitness tracking products like pedometers and other devices have been common for many years, fitness tracking devices have become increasingly popular as athletes and fitness enthusiasts search for new ways to track their progress and harness the power of data to see significant gains in their performance. With the release of popular wearable devices like the Fitbit, Nike FuelBand and fitness-geared smartwatches, there is a fitness tracker to match any person's lifestyle and activity level.

Fitness trackers are designed to measure motion, typically with a 3-axis accelerometer that can track motion in any direction, as well as including a gyroscope that can measure a person's orientation and direction. The fitness tracker will then take this data and processes it to calculate vital information about a person's state of health, including calories burned and distance traveled. Additionally, more advanced fitness trackers also contain components that can measure and track a person's sleep quality, heart rate/variability, blood oxygenation, pulse, body temperature and more (News-Medical.net).

Why is a fitness tracker not FSA/HSA/HRA eligible?

To purchase a fitness tracker with a consumer-directed healthcare account like an FSA, HSA or HRA, a Letter of Medical Necessity (LMN) is required to show that the device will be used to treat a legitimate medical condition such as obesity. The IRS has ruled that fitness trackers and other devices of their type are used to promote one's "general health" and are only medically necessary under special circumstances, which is why account holders must submit an LMN to their benefits administrators and it will most likely be covered under their benefits.

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